Why mortgage clients need income protection

'The risks for going off work sick are far higher than dying or becoming critically ill' Could it be possible that we the protection industry might have made a mistake?  What I'm talking about is the phrase ‘mortgage protection'. When you say the words ‘mortgage...

How Much Life Insurance Do You Really Need?

Having children is a huge change in your home and circumstances. You suddenly have one or more lives dependent totally on you. If you aren’t here anymore you may have a spouse/partner/family to look after them you child/children. But how do you financially look after...

Pregnant? What You Need to Know About Life Insurance

Before your baby’s first breath, he or she is already dependent on you for physical protection. Making the decision to buy life insurance while you’re pregnant can help assure greater financial protection for him or her, too – and further safeguard yours. As an...

Life insurance and Serious/Critical illness cover: do I need both?

Life insurance and critical illness often get confused but there are important differences between the two types of cover.  In simple terms, life insurance will pay a defined lump sum to your loved ones when you die. The money can be used for anything – household...

Four Life Insurance Myths Busted

Don’t buy life insurance until you read this. Low Cost Life Cover. ie tackles common life insurance misconceptions and reveals a trick to avoid tax on pay-outs. Myth 1: Your life insurance premiums will increase if you develop a serious illness Your life insurance...

5 Reasons to rethink money on deposit

Having some cash stashed away for a rainy day is important. However, if you’re saving for the future and you want the best potential growth, it’s worth considering the limitations of a savings deposit account and the trade-offs you might need to make for easy access....

Income protection: a problem for your 30s?

Income protection: a problem for your 30s?Few people believe they'll need income protection in their thirties, but new research shows that the average age to claim is now just 33. Income protection is an insurance product designed to pay an income if you can’t work...

Mortgage Protection for Cohabiting Couples

1 in 10 people are co-habiting in Ireland. Are you one of them?Assets passing on death between married couples are exempt from Inheritance Tax. BUT this only applies in the case of “legal spouses” or “registered civil partners”. All other couples, even qualified...